HB 3802 Oklahoma House · 2026 Regular Session

Insurance; motor vehicle liability; premiums; deceased spouse; material change; renewal; effective date.

HB 3802 prohibits Oklahoma auto insurers from increasing motor vehicle liability insurance premiums solely because a policyholder removes a deceased spouse from their policy. It clarifies that removing a deceased spouse does not count as a "material change" for underwriting or pricing purposes. Insurers may still raise premiums for documented factors like driving record changes, claims history, or location, but must refund any overcharged amount if they violate this rule. The bill directly affects policyholders who lose a spouse and manage their insurance coverage.

Bill status passed 3 of 5 stages cleared

Introduction

Feb 2026

Committee Review

Apr 2026

House Passage

Mar 2026

Senate Passage

Governor

Introduced Feb 2, 2026 Last action Apr 28, 2026

Maddy AI version diff · 3 comparisons

What changed between versions

Floor (House) → Floor (Senate) · 3 edits

MINOR

The bill was amended during its passage from the House to the Senate to clarify the specific circumstances under which insurance companies can legally raise premiums. The Senate version adds explicit language confirming that insurers may still increase rates based on standard risk factors like driving records or claims history, provided these changes are actuarially supported and applied uniformly. It also updates the committee reporting details to reflect the Senate's review.

Scope change

The bill's scope was clarified to explicitly list permissible reasons for premium increases (such as driving record changes) that were previously implied but not detailed, ensuring insurers can adjust rates for legitimate risk factors while still being prohibited from penalizing families for removing deceased spouses.

REQUIREMENT

Added specific examples of actuarially supported risk factors (driving record, claims history, coverage elections, mileage, garaging location) that insurers can use to justify premium increases.

Expanded the list of permissible rate changes to include those approved by the Oklahoma Insurance Department that are applied uniformly to a class of insureds.

TECHNICAL

Updated the committee report attribution from the House Committee on Commerce to the Senate Committee on Business and Insurance with the new Senate floor date.

Floor votes · House Mar 24, 2026

How they voted

96–0

Passed · 4 other

Total votes 100

Mar 24, 2026

D Democratic18

18 Yea

100% Yea

R Republican82

78 Yea 4

95% Yea

Vote distribution

All Yea All Nay Mixed No data

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Amendments

Apr 23, 2026

Upper · Passed

Reported Do Pass Business and Insurance committee; CR filed

upper

Mar 25, 2026

Introduced

First Reading

upper

Mar 25, 2026

Lower · Passed

Engrossed, signed, to Senate

lower

Mar 24, 2026

Committee

Referred for engrossment

lower

Mar 24, 2026

Lower · Passed

Third Reading, Measure passed: Ayes: 95 Nays: 0

lower

Mar 24, 2026

Lower · Passed

Amended

lower

Mar 5, 2026

Lower · Passed

CR; Do Pass Commerce and Economic Development Oversight Committee

lower

Feb 18, 2026

Lower · Passed

Policy recommendation to the Commerce and Economic Development Oversight committee; Do Pass Insurance

lower

Feb 12, 2026

Committee

Referred to Insurance

lower

Feb 12, 2026

Committee

Referred to Commerce and Economic Development Oversight

lower

Feb 2, 2026

Introduced

First Reading

lower

2 primary · 0 co-sponsors